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Comments
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Oh, and the significant present was handed over to me wrapped for me to open on Sunday so at least I don’t have to watched opening it! 😳😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Ooh, yes! I can see that thinking "Hmmm, it would take me 4 hours to earn this back in surveys" would be a motivator not to spend 🤣!KajiKita said:Totally get what you are saying here, but I am finding is bringing that clarity of every penny is how hard it is to earn a £5 a week on Qm33! That is really making me focus in on every penny! 😉😂
Interesting on the present....are you shaking it in trepidation, or just eyeing it cautiously from the other side of the room 🤔😳?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
I'm not sure I'd be able to keep a wrapped present in my house for two days. Any clue what it might be?KajiKita said:Oh, and the significant present was handed over to me wrapped for me to open on Sunday so at least I don’t have to watched opening it! 😳😉
KKStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
@South_coast - I am eyeing cautiously / trying to ignore it! 😳😂
@Merlin’s_Beard - my husband is very strict with me about such things! 😂 I *may*, possibly, have form for opening Christmas presents on Christmas Eve …. <ahem> Oh and it’s small, jewellery box sized. The sad things is, if whatever it is is good I will never wear it as I only wear silver (long standing prejudice against gold 🤷♀️😉).
Btw, this may sound a little odd, but it’s lovely to see someone else with a large mortgage number! 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
I'd open it earlier so that I had a good chance of finding something to (good) to say when saying thanks.
2 -
Definitely not weird, I've been actively seeking out diaries with a similar number to me to follow to reassure me that I'm not mad for taking it on and it is doable!KajiKita said:@South_coast - I am eyeing cautiously / trying to ignore it! 😳😂
@Merlin’s_Beard - my husband is very strict with me about such things! 😂 I *may*, possibly, have form for opening Christmas presents on Christmas Eve …. <ahem> Oh and it’s small, jewellery box sized. The sad things is, if whatever it is is good I will never wear it as I only wear silver (long standing prejudice against gold 🤷♀️😉).
Btw, this may sound a little odd, but it’s lovely to see someone else with a large mortgage number! 😉
KKStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
Op of £5.36 thanks to QM33 today
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
It was a nice thing!! 😊❤️When hubby and I got together I was in a lot of debt and he was spending whatever he had coming in. This meant when we got engaged I didn’t get an engagement ring as we were saving for a deposit to move in together. The present / heirloom is Hubby’s grandma’s engagement ring!! It’s really elegant and delicate (3 little diamonds I think) on a really slim band. The only gold I wear is my wedding ring, so to have an engagement ring that sits well with that is lovely 😊
I think it needs cleaning (the stones have no sparkle to them) so will wear it next weekend to a family lunch and then get it cleaned at a local jewellers. Amazingly it fits perfectly! ❤️😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Oh wow, that sounds like a really thoughtful gift - what a relief 😅!
Have a lovely birthday xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Thanks SC 😊 Exactly my thoughts!! 😂South_coast said:Oh wow, that sounds like a really thoughtful gift - what a relief 😅!
Have a lovely birthday x
I will, thank you 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3
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